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                                <h2 id="一、小微商户能力介绍">一、小微商户能力介绍</h2>
                                <ol>
                                    <li><p>快速进件 自动审核</p>
                                    </li>
                                    <li><p>支持零钱、借记卡、信用卡支付方式</p>
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                                    <li><p>每日结算款T+1日自动提现至商户个人银行卡</p>
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                                        <th style="text-align:center">项目</th>
                                        <th style="text-align:center">小微商户</th>
                                        <th style="text-align:center">普通商户</th>
                                    </tr>
                                    </thead>
                                    <tbody>
                                    <tr>
                                        <td style="text-align:center">收款方式</td>
                                        <td style="text-align:center">银行卡</td>
                                        <td style="text-align:center">银行卡</td>
                                    </tr>
                                    <tr>
                                        <td style="text-align:center">费率</td>
                                        <td style="text-align:center">0.38%起</td>
                                        <td style="text-align:center">按行业 0.6%起</td>
                                    </tr>
                                    <tr>
                                        <td style="text-align:center">支付方式</td>
                                        <td style="text-align:center">零钱、借记卡、信用卡</td>
                                        <td style="text-align:center">零钱、借记卡、信用卡</td>
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                                    <tr>
                                        <td style="text-align:center">支付权限</td>
                                        <td style="text-align:center">JSAPI（公众号）、Native（扫码）、付款码支付</td>
                                        <td style="text-align:center">JSAPI支付、Native支付、付款码支付、H5支付、APP支付</td>
                                    </tr>
                                    <tr>
                                        <td style="text-align:center">资金能力</td>
                                        <td style="text-align:center">结算、退款、自动提现</td>
                                        <td style="text-align:center">其他高级功能</td>
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                                        <td style="text-align:center">管理平台</td>
                                        <td style="text-align:center">商户助手小程序</td>
                                        <td style="text-align:center">小程序及微信支付商户平台</td>
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                                <h3 id="申请规则">申请规则</h3>
                                <ol>
                                    <li>小微商户可通过IUPAY（服务商）发起接入申请</li>
                                    <li>申请提交后，平台一般会在5分钟内完成审核，若通过，API会返回签约二维码，小微商户需扫码确认方可完成签约</li>
                                    <li><p>小微商户签约后，平台会实时开通交易能力，可由IUPAY为小微商户发起JSAPI支付、付款码支付、Native支付</p>
                                        <p>|小微商户|普通商户
                                            :-:|:-:|:-:
                                            申请方式|通过IUPAY申请|通过IUPAY或微信支付官方申请
                                            审核耗时|5分钟内|48小时内
                                            账户验证方式|平台快捷认证（无需商户操作）|打款验证+回填金额
                                            签约|微信签约|微信签约或前往商户平台签约</p>
                                    </li>
                                </ol>
                                <h3 id="申请材料">申请材料</h3>
                                <ol>
                                    <li><p>身份证：彩色扫描件或数码照片</p>
                                    </li>
                                    <li><p>结算银行卡：包含开户银行全称（含支行）、银行帐号</p>
                                    </li>
                                    <li><p>门店照片：门店门口照片、店内环境照片各1张</p>
                                    </li>
                                </ol>
                                <h3 id="小微商户常见问题">小微商户常见问题</h3>
                                <p><strong>Q1</strong>：什么是小微商户？</p>
                                <p><strong>A1</strong>：小微商户是指依据法律法规和相关监管规定免于办理工商注册登记、无营业执照的实体特约商户。</p>
                                <p><strong>Q2</strong>：什么样的服务商才有权限进件小微商户？</p>
                                <p><strong>A2</strong>：小微进件接口已向所有服务商开放。</p>
                                <p><strong>Q3</strong>：服务商怎样进件小微商户？</p>
                                <p><strong>A3</strong>：服务商通过API接口进件小微商户，进件步骤：</p>
                                <ol>
                                    <li><p>服务商通过进件接口提交商家信息，生成申请单号；</p>
                                    </li>
                                    <li><p>五分钟后服务商通过查询接口查询申请单的审核状态，当状态为“待签约”时，该查询接口带有官方签约链接；</p>
                                    </li>
                                    <li><p>签约链接生成后，形成签约二维码，由服务商展示给商家；</p>
                                    </li>
                                    <li><p>商家用微信扫描二维码后打开官方签约页面，同意协议相关内容，完成签约流程后就可以用微信支付收款。</p>
                                    </li>
                                </ol>
                                <p><strong>Q4</strong>：商家需要提交什么材料？</p>
                                <p><strong>A4</strong>：商家只需要提供身份证、结算银行卡及辅助证明材料（门店相关信息及其影印件），具体材料见接口字段。</p>
                                <p><strong>Q5</strong>：如果只有影印件没有相关文字信息怎么办？</p>
                                <p><strong>A5</strong>：可以使用腾讯优图ocr服务，从影印件中识别出相关信息，详情点击查看。</p>
                                <p><strong>Q6</strong>：商家扫描二维码的微信是不是需要本人的？</p>
                                <p><strong>A6</strong>：是的，扫描二维码的微信所绑定的银行卡（实名认证）的持卡人姓名要跟小微商户姓名一致。</p>
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